These are the obstacles we all face in trying to achieve our financial goals:

These are the obstacles we all face in trying to achieve our financial goals:

These are the obstacles we all face in trying to achieve our financial goals:

As anyone would have expected, the extraordinary convergence of extreme stock market volatility, low interest rates, declining home values, diminished retirement savings accounts, and chronic economic sluggishness has taken a severe toll on the American psyche. For many investors, it may have forever altered the way in which risk is perceived and managed.